Globe Life Inc. (GL)
Financials · Life & Health Insurance · US stock · S&P 500 component
$168.77
▲ +1.18 (0.70%)
Fair valueFair
$154 −8.8% to fair value
$77fair band $108–$200$231
Day's range
$167.17 – $169.51
52-week range
$126.81 – $191.17
About Globe Life Inc.
Globe Life is an insurance holding company that sells life and supplemental health insurance mainly to middle-income households in the United States. It reaches customers through direct-to-consumer marketing, agencies and employer or association channels. Revenue comes from premiums paid by policyholders and from investment income earned on the assets backing its policy obligations, so claims experience and investment returns shape its results.
Trailing twelve-month revenue stands at $6.2 billion. Revenue growth over three years averaged 4.7% a year. Operating margin is 26.4% and return on invested capital is 15%. It pays a dividend with a yield of 0.7%. The X-Ray Score is 54 out of 100. These figures describe past results as reported and are a factual snapshot, not a forecast. Some measures, such as margins for real estate trusts and banks, are defined differently from those of industrial firms, so comparisons should be made with care.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $126.81 – $191.17Volume 357,044Daily, split-adjusted
Vitals
Market cap$13.3B
52-week range$126.81 – $191.17
Volume (last day)357,044
P/E (TTM)11.2
EBIT / EV yield10.4%
Free-cash-flow yield9.3%
Dividend yield0.7%
Revenue (TTM)$6.2B
Net income (TTM)$1.2B
Operating margin26.4%
Return on capital15.3%
Debt incl. leases$2.9B
Cash & securities$455M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$154
Fair
−8.8% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $169
Undervalued < $108Fair $108 – $200Overvalued > $200
Excess-return (bank)
$119
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Average business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
59/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield10.4%
Free-cash-flow yield9.3%
Fair value vs price0.9×
Growth
Weak
42/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)4.7%
EPS growth (3y)15.9%
Growth consistency100%
Profitability
Fair
58/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital15.3%
Operating margin26.4%
Financial health
Fair
51/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA1.5×
Interest cover11.6×
Dividends
Weak
48/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield0.7%
Dividends vs free cash flow8%
Dividend growth2.2%
Quarterly results: last 6 quarters
+4.5%
Mar '25
+2.8%
Jun '25
+4.0%
Sep '25
+3.6%
Dec '25
+5.3%
Mar '26
+8.0%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $1.6B, diluted EPS $3.65.
Compare with peers
PFH Prudential Financial I...55 MET Metlife Inc51 AFL Aflac Inc38 PFG Principal Financial Gr...34Other Life & Health Insurance companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 7 Average · ● 3 BadCash quality
Earnings backed by cashAverage
Free-cash-flow yieldGood
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Average
Free-cash-flow growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyGood
Balance sheet
Net debt / EBITDAAverage
Interest coverBad
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalAverage
Operating marginAverage
Each check is graded against the company's sector, not a fixed number. Checklist score 50/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $5.1B | $5.2B | $5.4B | $5.8B | $6.0B |
| Operating income | $1.2B | $1.2B | $1.3B | $1.5B | $1.6B |
| Net income | $1.0B | $894M | $971M | $1.1B | $1.2B |
| Operating cash flow | $1.4B | $1.4B | $1.5B | $1.4B | $1.4B |
| Operating margin | 24.0% | 22.7% | 23.2% | 25.2% | 26.3% |
| Free cash flow | $1.4B | $1.4B | $1.4B | $1.3B | $1.3B |
| Diluted EPS | $9.99 | $9.04 | $10.07 | $11.94 | $14.07 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
8 bullish · 2 neutral · 6 bearish
Weekly
Bullish
7 bullish · 1 neutral · 4 bearish
Monthly
Strongly bullish
7 bullish · 1 neutral · 0 bearish
Moving averages (daily)
| SMA 10 | 166.1 | Bullish |
| EMA 10 | 166.8 | Bullish |
| SMA 20 | 166.6 | Bullish |
| EMA 20 | 167.4 | Bullish |
| SMA 50 | 171.3 | Bearish |
| EMA 50 | 169.6 | Bearish |
| SMA 100 | 171.9 | Bearish |
| EMA 100 | 167.9 | Bullish |
| SMA 200 | 158.1 | Bullish |
| EMA 200 | 160.0 | Bullish |
Oscillators (daily)
| RSI (14) | 52.26 | Neutral |
| MACD (12, 26) | -1.21 | Bearish |
| Momentum (12) | 2.09 | Bullish |
| Stochastic %K (14) | 82.33 | Bearish |
| Williams %R (14) | -17.67 | Bearish |
| CCI (20) | 70.65 | Neutral |
Pivot points (classic, last session)
S3 165.1 | S2 166.1 | S1 167.5 | Pivot 168.5 | R1 169.8 | R2 170.8 | R3 172.1 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.26 USD
Yield on today's price
0.75%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 5 Oct 2026 | 0.3300 |
| 6 Jul 2026 | 0.3300 |
| 2 Apr 2026 | 0.3300 |
| 5 Jan 2026 | 0.2700 |
| 3 Oct 2025 | 0.2700 |
| 3 Jul 2025 | 0.2700 |
| 3 Apr 2025 | 0.2700 |
| 6 Jan 2025 | 0.2400 |
| 4 Oct 2024 | 0.2400 |
| 5 Jul 2024 | 0.2400 |
| 4 Apr 2024 | 0.2400 |
| 4 Jan 2024 | 0.2250 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
GL SEC filings
7 Aug 2026
8-KSEC EDGAR
Director or officer change
5 Aug 2026
10-QSEC EDGAR
Quarterly report
22 Jul 2026
8-KSEC EDGAR
Results of operations
29 Jun 2026
8-KSEC EDGAR
Entered a material agreement
7 May 2026
10-QSEC EDGAR
Quarterly report
4 May 2026
8-KSEC EDGAR
Director or officer change; Shareholder vote results
22 Apr 2026
8-KSEC EDGAR
Results of operations
19 Mar 2026
DEF 14ASEC EDGAR
Proxy statement
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.